Jeevan Labh Calculator — LIC 836 Premium,
Maturity Amount & Total Returns
Our free Jeevan Labh Calculator instantly computes your LIC Jeevan Labh 836 premium, estimated maturity amount, and total returns — covering all three policy terms (16, 21 & 25 years). Whether you’re asking how to calculate Jeevan Labh maturity amount, want to know the return percentage of LIC Jeevan Labh, understand what are the disadvantages of Jeevan Labh, or compare it with a Jeevan Anand calculator — this page covers everything. Works for both Plan 736 and the updated LIC Jeevan Labh 836 premium and maturity calculator scenario. No login, no download, 100% free.
| Sum Assured | — |
| Age at Entry | — |
| Policy Term | — |
| Premium Paying Term | — |
| AD & DB Rider | — |
| Term Rider | — |
| PWB Rider | — |
| Total Premium Paid | — |
| Basic Sum Assured | — |
| Bonus (Approx) | — |
| Final Add. Bonus (FAB) | — |
| Total Maturity | — |
| Sum Assured | ₹15,00,000 |
| Age | 25 Years |
| Policy Term | 25 Years |
| PPT | 16 Years |
| Yearly | ₹69,353 |
| Half-Yearly | ₹35,057 |
| Quarterly | ₹17,719 |
| Monthly | ₹5,906 |
| Total Premium | ₹11,09,648 |
| Sum Assured | ₹15,00,000 |
| Bonus | ₹17,62,500 |
| FAB | ₹6,75,000 |
| Total Maturity | ₹39,37,500 |
LIC Jeevan Labh 836 — Who Can Apply?
| Parameter | 16-Year Term | 21-Year Term | 25-Year Term |
|---|---|---|---|
| Premium Paying Term (PPT) | 10 Years | 15 Years | 16 Years |
| Min Entry Age | 8 Years | 8 Years | 8 Years |
| Max Entry Age | 59 Years | 54 Years | 50 Years |
| Max Maturity Age | 75 Years | 75 Years | 75 Years |
| Min Sum Assured | ₹2,00,000 | ₹2,00,000 | ₹2,00,000 |
| Max Sum Assured | No Limit | No Limit | No Limit |
| Grace Period | 30 Days | 30 Days | 30 Days |
| Free Look Period | 15 Days | 15 Days | 15 Days |
How to Use the Jeevan Labh Calculator
Enter Your Age at Entry
Select your current age from the dropdown. Your age determines the base premium rate — younger entrants get lower premiums for the same sum assured.
Choose Your Policy Term
Pick from 16, 21, or 25 years. The Premium Paying Term (PPT) auto-fills — 10 years for 16-year term, 15 years for 21-year term, and 16 years for the 25-year term. You pay premiums only for the PPT but stay covered for the full policy term.
Enter Sum Assured
Type in your desired cover amount (minimum ₹2,00,000). A higher sum assured means higher premiums but also a larger maturity payout. Use the calculator to test different amounts.
Select Optional Riders (if any)
Toggle on any rider benefits — Accidental Death & Disability (AD & DB), New Term Assurance Rider, or Premium Waiver Benefit (PWB). Each adds a small extra premium but significantly enhances your coverage.
Click Calculate
Hit the Calculate button to instantly see yearly, half-yearly, quarterly and monthly premium options, total premium paid over the PPT, and the estimated maturity amount including bonus and FAB.
Jeevan Labh Maturity Amount Formula
Understanding how your maturity amount is calculated helps you plan better. The Jeevan Labh maturity amount has three components:
Maturity = Basic Sum Assured + Accrued Bonus + Final Additional Bonus (FAB)
- Basic Sum Assured — the guaranteed amount you chose when buying the policy.
- Accrued Bonus (Simple Reversionary Bonus) — approximately ₹47–₹50 per ₹1,000 Sum Assured per year, based on latest LIC declared rates. Example: ₹10L SA × 25 yrs × ₹47/1000 = ₹11,75,000 bonus.
- Final Additional Bonus (FAB) — a one-time bonus paid at maturity for policies completing full term. Approximately ₹450–₹1,350 per ₹1,000 SA depending on term and age at entry.
- Death Benefit = Higher of (10× Annual Premium) or (125% of SA) + Accrued Bonus + FAB.
The effective IRR (return percentage) for Jeevan Labh typically works out to 5.5% to 6.5% per annum — guaranteed life cover plus savings, though lower than pure market instruments.
Why Use Our Jeevan Labh Calculator
All 3 Payment Modes
See yearly, half-yearly, quarterly and monthly premium breakdown in one click — no manual math, no separate tools needed. Compare modes instantly.
Bonus + FAB Estimate
Our calculator uses latest LIC declared bonus rates to estimate your total maturity — including both Simple Reversionary Bonus and Final Additional Bonus for a realistic projection.
Rider Premium Included
Toggle optional riders (AD&DB, Term Assurance, PWB) on or off and instantly see how they affect your total premium — perfect for building a customised coverage plan.
Jeevan Labh Calculator — Frequently Asked Questions
Make Smarter LIC Decisions with Our Jeevan Labh Calculator
The Jeevan Labh Calculator on Hindustan Calculator takes the guesswork out of LIC policy planning. Whether you are evaluating LIC Jeevan Labh 836 for the first time or comparing it against a Jeevan Anand calculator result, our tool gives you a complete picture — premium breakdowns across all payment frequencies, realistic maturity estimates with bonus and FAB, and eligibility details all in one place. Understanding the return percentage of LIC Jeevan Labh, the disadvantages of Jeevan Labh, and the benefit of a Jeevan Labh policy helps you decide whether this limited premium endowment plan fits your financial goals. Use the calculator above, note your results, and consult a certified LIC agent or financial advisor before purchasing. Bookmark this page — it’s always free, always updated.